There are many kinds of funds, which leads to diversification of fund investment income. The market emphasizes diversification, so the fund is one of its representatives. The following small series will bring you ways to improve the fund's income, I hope you like it!
How does the fund improve its income?
1, repeatedly compare, limit the quantity, and dare to give up.
I bought too much because I didn't make a good choice. After looking at a fund, don't rush to buy it. First, see if there are any duplicate positions, then see if there is a better choice for the same type, and make a comparison before making a decision.
2. In-depth research, only choose funds that recognize their own ideas.
There are so many good funds, each with its own advantages and disadvantages, but there is no best one. The fund you agree with is the most suitable, so that you can hold it and hold it steadily.
3. Choose funds within your own ability circle and sell what you don't understand.
Investment competence circle is a very important investment discipline: know your own competence circle; Invest within one's ability; Strive to expand the ability circle.
4. Funds with the same style, strategy, industry or sector can be streamlined.
There may be many segmentation strategies under a certain style/strategy/industry/sector, so 1-2 is enough.
5. Cultivate combinatorial thinking and pay attention to the adjustment of the proportion of positions, not the number of new positions.
I am used to treating the portfolio as a whole, setting myself an acceptable expected return, volatility and maximum retracement, and trying to adjust the position ratio to meet my own requirements.
6. Fixed-income funds don't need too much, so they can lighten their positions.
Only the stock market will often have style changes, and the styles and trends of other investment products are generally relatively stable. Fixed-income fund managers are unlikely to have style drift problems.
How to choose a fund?
Usually buying goods depends not only on the cost performance of this product, but also on whether you like it or not, whether it has brand value and so on.
So the goods we buy are not necessarily the most cost-effective, but what we like.
In investment, the pursuit of "cost-effective" funds is very important.
No one will buy a fund because the name is nice, and no one will buy a fund because the manager is handsome.
As investors, we are very realistic at present, that is, "we must buy a fund that will make us money, preferably for a long time."
Among thousands of funds with similar names and similar investment scope, how to choose the fund with the highest cost performance is particularly important.
At this time, we have to talk about a magical index to measure the cost performance of fund investment-Sharp ratio.
How to choose industry theme funds
Choose the right industry
If you don't understand the industry, it is recommended to avoid industry theme funds. The first step in choosing a good industry theme fund is to choose a suitable gold track. It is difficult for the technology and pharmaceutical industries to have a very bright performance in the first half of this year. In this year's fund returns, these types of funds accounted for half of the country, and those investors who held these industry funds in the early days also enjoyed a wave of gains. Of course, in addition to short-term industry enthusiasm, we should pay more attention to the long-term growth space of the industry in the future. After all, the fund is considering long-term investment. If you choose the sunset industry, there won't be much room anyway.
Choice of trading strategy
When doing fund investment, we must pay attention to the industry and asset allocation. The industry theme fund itself is relatively risky. It is not recommended to invest all the funds in industry theme funds, but to allocate them in a balanced way. You can use most assets to allocate broad-based index funds or equity funds with relatively stable long-term performance, and then allocate some funds to industry theme funds, which is only suitable for most investors. Everyone adjusts the distribution ratio according to their own standards.
Selected industry theme funds
Choose the track, set the allocation ratio, and finally choose the theme fund of this industry. Investors can combine the long-term performance and short-term performance in the past, such as the rate of return in the last three months and the rate of return in the last three years, and then make a final choice by combining the turnover rate, the maximum retracement index and the situation of fund managers.
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